Air Miles Cards
Turn spending into flights
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Miles or transferable
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Accelerated earning
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Complimentary domestic
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Travel insurance benefits
Find your card
What Our Plans Cover
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Miles or transferable points on el...
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Accelerated earning on airline and...
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Complimentary domestic and interna...
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Travel insurance benefits on many...
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Welcome and milestone bonuses per...
Who Can Consider This Plan?
- Indian resident, generally aged 18 and above for forex cards
- Aged 21 to 60 for credit cards, with income criteria by variant
- Valid passport for international products
- Credit score, for credit card variants
- Compliance with remittance rules on forex loading
What May Not Be Covered?
- Award seat availability, which is limited and not guaranteed
- Miles on fuel, rent, wallet loads and utilities on many cards
- Miles that have expired under programme rules
- Taxes and surcharges on award tickets, which are payable separately
- Any benefit if you revolve a balance
Always check the policy wording before you commit.
Why Choose Wealth & Covers?
- Expert advice to choose the right plan
- Plans from leading credit cards companies
- Hassle-free process and documentation
- End-to-end support, including claim assistance
- Dedicated relationship manager
- Expert Guidance Personalised advice from experienced credit cards professionals.
- End-to-End Support From choosing the right plan to claim assistance, we are with you always.
- Claims Assistance Hassle-free claim support to ensure you get what you deserve.
- Transparent Process Clear information, easy documentation and a hassle-free experience.
Overview
Air miles cards earn frequent flyer miles on spending, either directly into an airline programme or as transferable points that convert to partner airlines. Redeemed well, miles can produce value well above what a cashback card would return on the same spending.
"Redeemed well" is doing a great deal of work in that sentence. Miles redeemed for economy tickets on unpopular routes return poor value; the same miles redeemed for premium cabins on long-haul routes can return several times more. The card is only as good as how you actually use it.
Availability is the other constraint. Award seats are limited, particularly in premium cabins on popular routes during holidays, and miles accumulated with no realistic redemption plan sit on an account earning nothing and sometimes expiring.
Who should consider it
Frequent flyers loyal to one airline or alliance. Travellers who redeem for premium cabins where mile value is highest. Anyone who plans redemptions in advance and can travel with some date flexibility.
Occasional travellers with no redemption plan are usually better served by a cashback card, which produces value without requiring anything of them.
Benefits
- Miles earned on all spending, accelerated on airline purchases
- Redemption value can exceed cashback substantially on premium cabins
- Transferable points offer choice across partner airlines
- Welcome bonuses frequently worth more than the first year fee
- Complimentary lounge access on most variants
- Status benefits including priority boarding and baggage on co-branded cards
What is included, and what is not
Read the right-hand column first. It is the one that tends to surprise people later.
Included
- Miles or transferable points on eligible spending
- Accelerated earning on airline and travel spending
- Complimentary domestic and international lounge visits
- Travel insurance benefits on many variants
- Welcome and milestone bonuses per the card terms
Not included
- Award seat availability, which is limited and not guaranteed
- Miles on fuel, rent, wallet loads and utilities on many cards
- Miles that have expired under programme rules
- Taxes and surcharges on award tickets, which are payable separately
- Any benefit if you revolve a balance
Terms vary between providers and between plans from the same provider. The offer document you receive is what governs — we will walk you through it before you commit.
How it works with us
- 1 We separate the two products first A forex card is prepaid and locks a rate. A travel credit card earns rewards on spending. Different problems, different answers.
- 2 Travel pattern drives the choice How often you fly, which airlines, whether you use lounges, and where you spend abroad. The card follows that, not the brochure.
- 3 Benefit value calculated in rupees Lounge visits, miles and insurance converted to a real number against a real annual fee.
- 4 Application matched to eligibility Premium travel cards have income criteria. We apply where the profile fits rather than collecting rejections.
- 5 Set up for full payment and safe use abroad Auto-debit in full, international usage enabled, and the fraud reporting numbers saved before you travel.
Important considerations
The things a brochure tends to leave out. Read these before you decide.
- Have a redemption plan before you start earning. Miles accumulated without one frequently expire or get redeemed at poor rates for convenience.
- Award availability is the binding constraint, not the mile balance. Popular routes at peak times can be unavailable regardless of how many miles you hold.
- Taxes and surcharges on award tickets are payable in cash and can be substantial on some airlines. A "free" ticket is rarely free.
- Transferable points are more flexible than airline-specific miles, because you can move them to whichever partner has availability.
- As with any credit card, revolving a balance at around thirty-six per cent destroys any reward value entirely.
Documents required
- PAN card
- Passport, for forex cards and international usage
- Aadhaar or other identity proof
- Address proof
- Income proof — salary slips, Form 16 or filed returns
- Travel documents such as visa and tickets, for forex card loading
Frequently Asked Questions
Are miles better than cashback?
They can be worth several times more, redeemed well — premium cabins on long-haul routes produce the best value. Redeemed poorly, or not at all, they are worth considerably less than a simple cashback card. The difference is entirely in what you do with them.
What limits my ability to redeem?
Award seat availability, not your mile balance. Airlines release limited award inventory, particularly in premium cabins on popular routes at peak times. Flexibility on dates and routes is what makes a miles strategy work.
Are award tickets actually free?
No. Taxes, fees and carrier surcharges are payable in cash and can be substantial on some airlines, occasionally approaching a discounted cash fare. Check those charges before assuming a redemption is good value.
Should I choose airline-specific or transferable points?
Transferable points are generally more useful, because you can move them to whichever partner has award availability when you need it. Airline-specific miles suit travellers genuinely loyal to one carrier.
Do miles expire?
On most airline programmes, yes, though activity in the account often resets the clock. An expired balance returns nothing, so knowing the expiry rules is part of holding one of these cards.
Want a shortlist instead of a catalogue?
Tell us the situation and an advisor comes back with two or three options that actually fit — and names what each one gives up.